Consumer Fraud Prevention Policy 

We take consumer fraud seriously. Consumer fraud jeopardizes our ability to pay our employees and serve our customers.

Instances of consumer fraud have risen dramatically over the past several years, including:

•  Card Cancellation Fraud: Consumers defraud merchants by canceling their credit card without providing a new form of payment. US law treats Card Cancellation Fraud as a form of Wire Fraud.

•  Pre-paid Card Fraud: Consumers defraud merchants by purchasing payment plans using pre-paid cards, then failing to add funds to cover future payments. US law treats Pre-paid Card Fraud as a form of Wire Fraud.

•  Chargeback Fraud: Consumers defraud merchants by initiating payment disputes with their credit card company under false pretenses in order to evade payment. US law treats Chargeback Fraud as a form of Wire Fraud, and convictions are on the rise.
• Other forms of financial manipulation.

Individuals accused of consumer fraud may lose their banking privileges, have their assets frozen, and face criminal charges, including wire fraud, mail fraud, and banking fraud. Wire fraud perpetrators may be subjected to fines of up to $250,000 and face jail sentences of up to 20 years. Mail and/or bank fraud perpetrators may be fined up to $1,000,000 and face jail time of up to 30 years.

By purchasing, you acknowledge and agree that:

•  All purchase contract terms are strictly enforced.

•  Without exception and to the maximum extent allowable by law, Company pursues a full remedy in each instance of known or suspected consumer fraud, including Chargeback Fraud.

•  If you experience financial hardship and are temporarily unable to satisfy your purchase contract’s terms, you must request a modification of payment terms in writing prior to your next upcoming payment. In its sole discretion, Company may approve or deny any requested contract modification.

•  In the event of disputed payments (“chargebacks”) or multiple failed payment processing attempts, the following Consumer Fraud Prevention actions may occur. 
•  A one-time Consumer Fraud Prevention Fee of $250 may be added to Customer’s outstanding balance.
•  In addition to the one-time Consumer Fraud Prevention Fee, a $30 Chargeback Fee may also be assessed for each disputed credit card transaction.
•  Any chargeback fees charged to Company by Customer’s credit card issuer may be added to Customer’s outstanding balance.
•  Legal fees incurred by Company in the course of pursuing a remedy to contractual non-performance and/or consumer fraud may be added to Customer’s outstanding balance. The legal jurisdiction for all matters relating to Customer’s purchase contract is the State of Colorado in the United States of America.
•  The sum of the Consumer Fraud Prevention fees, credit card issuer dispute fees, and the Customer’s outstanding purchase contract balance may be reported as miscellaneous income to Customer’s tax authority:
  •  For Customers living in the United States, a Form 1099-MISC may be submitted to the Internal Revenue Service.
  •  For Customers living in the United Kingdom, a report may be made to His Majesty’s Revenue and Customs office.
  •  For Customers living in Canada, a T4A slip may be submitted to the Canadian Revenue Agency.
  •  For Customers living in Australia, a report may be made to the Australian Tax Office.
• Where applicable and at Company’s sole discretion, a court judgment may be obtained in the amount of the outstanding contract balance, plus all legal and administrative fees and charges created by Customer’s default and/or fraud.
•  Where applicable and at Company’s sole discretion, in order to secure payment of Customer’s debt to Company, a lien may be placed against Customer’s home, automobile, or other valuable personal property, and/or Customer’s wages may be garnished.  
•  At Company’s sole discretion, the sum of the Consumer Fraud Prevention fees and the Customer’s outstanding balance may be sent to a debt collection service. In order to recover the debt, and if applicable, the debt collection service may contact Customer, Customer’s employer, Customer’s employees and/or contractors,  Customer's business and/or professional associates and associations, Customer’s customers and/or tenants, Customer’s pension or retirement plan servicer, and/or Customer’s family members and known associates. Collections agencies are required by law to inform all contacted parties that contact has been initiated in an attempt to collect an unpaid debt.